| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 NORTH 1ST STREET SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $16K | $748 | $17K | 2.30% |
| LUMIX INSURANCE AGENCY INC3 Filed as: LUMIX INSURANCE AGENCY, INC. | 1214 11TH STREET SUITE 4 MODESTO, CA 95354 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 1.78% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 NORTH FIRST STREET # 202 SAN JOSE, CA 95112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.19% |
| LUMIX INSURANCE AGENCY INC3 | 1214 11TH STREET SUITE 2 MODESTO, CA 95354 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.81% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.11% |
| LUMIX INSURANCE AGENCY INC3 | 1214 11TH STREET SUITE 250 MODESTO, CA 95382 | SYMETRA LIFE INSURANCE COMPANY | $852 | — | $852 | 5.95% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | SYMETRA LIFE INSURANCE COMPANY | -$429 | — | -$429 | -2.99% |
| FILICE INSURANCE AGENCY3 | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $904 | — | $904 | 6.72% |
| LUMIX INSURANCE AGENCY INC3 Filed as: LUMIX INSURANCE | 1214 11TH STREET SUITE 2 MODESTO, CA 95354 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $552 | — | $552 | 4.10% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 NORTH FIRST STREET # 202 SAN JOSE, CA 95112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $327 | — | $327 | 5.52% |
| LUMIX INSURANCE AGENCY INC3 | 1214 11TH STREET SUITE 2 MODESTO, CA 95354 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188 | — | $188 | 3.17% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 NORTH 1ST STREET SUITE 202 SAN JOSE, CA 95112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 59.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 85 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 134 | $732K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $52K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 242 | $13K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 73 | $14K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 73 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.